Condition 1: stable work
If you want to apply for a platinum credit card, you must first have a stable income or a lot of financial resources. Generally speaking, the application standard of bank platinum credit card is mostly financial proof of annual salary of 6,543,800 yuan or more or 500,000 yuan or more. At the same time, if it is a state-owned enterprise, institution or civil servant, it is also very helpful to apply for a platinum credit card. In the eyes of banks, the stability of employees in state-owned enterprises is much higher than that of foreign executives. The financial crisis may make the income of foreign executives plummet, but generally it will not shake the salary income of employees in state-owned enterprises.
Condition 2: Good credit.
In addition, if the cardholder has a bad credit record, it will be very unfavorable for him to apply for a platinum credit card, because platinum credit cards generally have a high credit limit. If the cardholder has a bad credit record, then the bank is unwilling to issue him a platinum credit card. In other words, if you want to apply for a platinum credit card, you must have a good credit history, which is more important than high income.
In contrast, if the cardholder has a good credit record, even if the income is not high, he has a chance to successfully apply for a platinum credit card. Generally speaking, if the cardholder has used the card for more than two years and the credit line is more than 30 thousand yuan, he will have the opportunity to receive the invitation letter from the bank. Cardholders who receive the invitation will be approved as long as they agree to apply for a platinum credit card. Therefore, a good credit card record is also a way to apply for a platinum credit card.